Minifleet
Minifleet has a range of features and benefits designed for businesses operating small fleets of vehicles. Minifleet provides a wide variety of cover options and enables all business vehicles to be insured under a single policy.
Target Market
Fleets of between 3 and 12 company owned vehicles can be insured under a single Minifleet policy. Cover is available for cars, light to medium goods vehicles, motorcycles and special type vehicles such as forklift trucks and diggers. Minifleet provides cover for all vehicles used in connection with the business but does not provide cover for the carriage of goods or people for hire or reward.
Product Profile
The Minifleet product provides an extensive package of benefits including the availability of free instalments. Cover can be arranged on a fully comprehensive (Comp), third party fire and theft (TPF&T) or third party only basis (TPO). There is the option to upgrade to breakdown cover, which provides enhanced benefits.
Summary of the key benefits are detailed in the table below:
| Cover | Breakdown | Comp | TPF & T | TP only |
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| Legal Liability for death or injury |  |
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Legal Liability for damage to other people's property:
| Cover | Breakdown | Comp | TPF & T | TP only |
|---|---|---|---|---|
| Private Cars and Motorcycles £20,000,000 | |
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| Goods Carrying vehicles, agricultural vehicles and special types £5,000,000 | |
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| Legal costs incurred with our consent in connection with a claim against you | |
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The policy is subject to the following excess:
| Cover | Breakdown | Comp | TPF & T | TP only |
|---|---|---|---|---|
| Own damage claims (excluding glass) | £100 | £100 | ||
| Fire and theft claims | £100 | £100 | £100 | |
| Excess increased for: Drivers 24 or under |
£250 |
£250 |
£250 |
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| Glass cover: Excess for replacement Excess for repair |
£50 £0 |
£50 £0 |
£50 £0 |
New vehicle replacement for private cars (up to 12 months old) and goods-carrying vehicles of up to 7.5 tonnes GVW (up to 6 months old):
| Cover | Breakdown | Comp | TPF & T | TP only |
|---|---|---|---|---|
| Fire, theft and damage claims | |
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| Fire and theft claims | |
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| Replacement locks for doors and ignition | |
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| Personal belongings | £350 | £250 | ||
| Medical expenses | £350 | £250 | ||
| Full policy cover extended to countries in the European Union and selected other countries (see policy wording) | |
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| Accident recovery and Select Repairer Service (fire, theft and damage claims) | |
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| FREE legal helpline and Uninsured Loss Recovery service | |
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| UK Breakdown recovery, rescue and at home assistance | |
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| European breakdown | |
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| Access To Roadsense | |
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| Annual Risk Management claims report | |
How do I get cover?
For more information regarding Minifleet, please contact your usual insurance intermediary who will be able to provide full details.
